• I'm not comfortable sending you my social security number over the Internet. Is this a problem?
• How long Alliance Mortgage has been providing home loans?
• Are you a broker or a lender ?
• Is my personal and financial information on this site safe?
• How can I contact you in a hurry ?
• Why use your site rather than a traditional broker or a bank ?
• Is there a charge for pre-qualification and pre-approval ?
• How can I get a loan application fast ?
• I need a loan. What is my first step?
• When do I need to lock in my loan rate?
• Can I buy a home if I have have credit problems now ?
• Can I pay off my credit cards and buy a home with same loan ?
• I am renting now, should I buy a home?
• I'm approved with another lender,can you beat my rate?
• How much are my closing costs ?

I'm not comfortable sending you my Social Security number over the Internet.  Is this a problem?
Not at all. We won't need your social security number until your credit report is requested.

How long Alliance Mortgage has been providing home loans?
We have been providing inexpensive home loans since 1992.  Alliance Mortgage is a California corporation, fully licensed as a Mortgage Banker and Broker with the California Department of Corporations. 

Are you broker or a lender ?

We are mortgage bankers and brokers. We can fund loans directly or send them to our investors.

Is my personal and financial information safe?
Yes. Our privacy and security policy is very strict. We never release any of your information to a third party.  It is only used for purposes of completing your loan process.

Why use your site rather than a traditional broker or a bank ?

We give you best of both worlds,experience and know-how of traditional brokers and lenders while delivering the loan products to you with the speed, convenience, and objectivity only possible with a fast moving technology.

While traditional brokers can be great facilitators of the mortgage process, they can stand between you and the types of information you need quickly to arrive at self-made,well-informed decisions, carried out in a non pressured environment.

The Internet brings out comparison shopping-at your own pace and without broker pressure-among vast array of products offered. Such loan sources may not be available at your local level or you simply cannot find them elsewhere.

Is there a charge for pre-qualification and pre-approval ?

There is no charge for getting pre-qualified or pre-approved on this site.

How can I get a Loan Application?

• You can download it directly from this website,
• We can email you an application- usually the fastest.
• We can fax or mail you one at your request.

I need a Loan. What is the first step?
First step is getting qualified for the amount of loan that you need. There are many competitive loan programs to choose from, and all of our loans are customized to your individual needs.

When do I need to lock in my loan rate?
Once your loan package is received by us, we will speak with you personally to determine when to lock your rate.You are eligible to lock a rate at any time, right up to the closing.

Can I buy a home if I have had credit problems?
Absolutely!  Alliance Mortgage specializes in providing home loans to people with all types of credit.  Even if you have had recent credit problems like late payments, charge-offs or even a bankruptcy, we can find a loan.

Can I payoff my credit cards, and buy a home, and get one loan at the same time?

No. The purchase loan can be up to to the purchase price, or one case 103 percent of the purchase price, where the closing costs are financed. It will not pay credit card or other debt.However the debt can be refinanced once you have owned your home.

I'm renting now. Why should I buy a home?
There are three big advantages to home ownership. First, you build equity for yourself with every payment.  Second, your mortgage loan interest is tax deductible.  And third, home ownership provides a place you can call your own.

I'm approved with another lender.  Can you beat their rate?

We have been rated as No.1 mortgage site in overall costs by analyst firm Gomez.com in the spring 2000.That means we have the lowest cost for loans in the country.If you can provide us with a written loan approval, we can most likely beat their rate, their terms, or both. Please contact our Loan Team today for a quick comparison.

How much are your fees ?
Your exact closing costs and fees vary depending upon the type and size of the loan, which is why we give you a Good Faith Estimate right from the start.

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